Jim Higgins, President of Varga Financial has been an insurance advisor for 40 years.

Jim's philosophy of planning prioritizes risk management of your money and the mitigation of tax on the transfer of estate assets and retirement income.  

Taxes and loss of principle assets can erode decades of hard work. We don't get any mulligans for poor outcomes from risks taken with earned money.

Jim specializes in risk management of your money, generational asset transfer, and the use of bank leveraging to help fund retirement.

Solutions to large future liquidity needs such as the payment of estate tax or inheritance equalization, and philanthropic strategies. Jim maintains relationships with tax attorneys and CPAs for the implementation of planning strategies.